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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
18 - 21%
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Are you working with a loan officer?

Let's connect!

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Your next step is to complete a full application.

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reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Michelle Owens
Picture of Michelle Owens

Hi, I'm Michelle!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

98.00% Customer Satisfaction Rating

Hi, I'm Michelle!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

98.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

I’m a Senior Loan Officer with Ruoff Mortgage. I’m from West Baden, Indiana, where I learned small-town values. Graduating from Indiana Wesleyan University with an Associate’s degree in Business Administration and a Bachelor’s degree in Business Management equipped me with additional values leading from a Christian point of view.

Coupled with 15+ years in the banking industry, I’ve become a very accomplished individual. My personal and professional goals intertwine as I strive to help others in any capacity I can. I currently sit on several boards: United Way of Howard and Tipton County – Board Member, City of Tipton Planning Commission – Board Member, City of Tipton Board of Zoning Appeals – Chairperson.

While work, volunteering, and my four children and husband keep me busy, I enjoy spending time around water. Kayaking, canoeing, or floating in a tube down the river is where I can truly relax and admire the beauty of the outdoors. I aspire to educate people on making sound financial decisions and setting goals for their future; I am trustworthy and will work diligently to assist you in achieving your goals.

As a Senior Loan Officer, I find joy in helping others achieve their mortgage goals. This could be a refinance or purchase since there are many options that I could guide you patiently through with respect, compassion, and candor.

Get Started

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


Need a lower monthly payment, or want to get cash out? Learn more about your options.

Sell My Home

Get your house on the market, and look for your next home!

Hear from people like you

  • Everything went very smoothly!

    TIMOTHY C, happy client
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Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

Calculate what's best for you

Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

Stay connected.

I would love to hear from you!

Call me at 317.385.7920 or message me below!

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